| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PEW3 Filed as: JAMES R. BROGLEN, JR. | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $40K | $40K | 4.05% |
| JAMES PEW3 Filed as: JAMES R. BROGLEN, JR. | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $8K | — | $8K | 11.20% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $2K | $225 | $2K | 11.02% |
| WOODWARD, KAREN3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $220 | — | $220 | 1.00% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $30 | $45 | $75 | 0.34% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $25 | — | $25 | 0.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $259 | $2K | 14.62% |
| KAREN WOODWARD3 | 4026 N ZION VALLEY DRIVE FAYETTEVEILLE, AR 72703 | USABLE LIFE | $127 | — | $127 | 1.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $17 | — | $17 | 0.13% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $14 | — | $14 | 0.11% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $1K | $78 | $1K | 16.02% |
| WOODWARD, KAREN3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $976 | — | $976 | 12.76% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $107 | $16 | $123 | 1.61% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $88 | — | $88 | 1.15% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $973 | $66 | $1K | 16.02% |
| WOODWARD, KAREN3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $817 | — | $817 | 12.59% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $90 | $13 | $103 | 1.59% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $74 | — | $74 | 1.14% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $110 | $7 | $117 | 16.01% |
| WOODWARD, KAREN3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $91 | — | $91 | 12.45% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELL, AR 72113 | USABLE LIFE | $10 | $2 | $12 | 1.64% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $8 | — | $8 | 1.09% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 325 | $980K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 306 | $73K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 275 | $19K |
| Life insurance(2 contracts) | USABLE LIFE | 184 | $20K |
| Short-term disability | USABLE LIFE | 52 | $6K |
| Long-term disability | USABLE LIFE | 184 | $22K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 325 | $980K |
| Other(2 contracts) | USABLE LIFE | 184 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.